Hello, landlord, it depends on the specific situation. Most banks stipulate that as long as the borrower is overdue for no more than six times and no more than 90 days in two years, it will not be too harsh when handling the card. Therefore, there are generally less overdue users, and the bank will not be too embarrassed, but the amount is limited. If the landlord is worried, the best way now is to continue to use this card. After using it for a period of time, keep the repayment record and cover the original negative record with the new repayment record, so that you have a higher chance of success in applying for a credit card. If the landlord wants to apply for a bank of communications credit card, he needs to prepare the following materials first:

A proof of financial resources: mainly including the official payroll or income certificate of the last three months,

B or a copy of the passbook and bill issued by the bank (salary entry information of the last three months is required);

C. copy of social insurance withholding certificate; Copy of proof of own property;

D copies of purchase vouchers of funds, national bonds and corporate bonds (in the name of the landlord if necessary);

E. copies of the front and back of the identity card;

According to the landlord's description, you have a house and a car and a stable job. If the problem of overdue amount is solved, the success rate is very high. In addition, if the landlord chooses to apply online, if the online application passes the preliminary examination, then you need to go to the counter to submit paper personal information again, so the above information is essential, otherwise the credit card will not enter the formal review cycle, and I hope my answer can help the landlord!